oh great there we go then, they not gona acept it , we dont owe them over 7,500and the debt is just a yr old may swel give up now why have DFD gone ahead with it knowing that they gona refuse it n said to us they cant say no n if every 1 else says yeah it will go ahead may be we should have gone ahe...

me same a zoe knew we were in a mess, with debt but as i paid the bills ect my husband gave me his wages each week to sort stuff i took it on my self as to blame when thing went wrong, i didnt say anything to husband just kept hiding mail n i got out phone number changed he found out one day when he...

so if for some reason my IVA get accepted can they still contact me for payment, not sure i ca cope, and another thing she said was that they wont freeze interest on my account, so my debts wont decree they just go up and up

5700 we owe BH morw than i thought oh god that aint good is it but saying that DFD keepsaying that if Bh refuse it they aint got enough of the debt

me again.
just to recap i have 13 creditors owing 19 n a bit thousnad Ip sugested 49 p in the ound is that a good figure?

oh so we had black horse on phone today, giving us there u cant do iva we wont let you, you must arange a debt managmnet plan with us or we gona go to court to apply for certificate of earnings form, you cant do and iva as we wont freeze interst and you payments go up n up nnot down, we then asked a...

thanks for your answers im just dreading the IVa been refused as im not sure my marradge can survive, in fact i no it wont, we just scrapinhg by at the min this IVA was to b our new start

hi i have 19,500 debt, we owe to 13 creditors and owe BH approx 4700 so its quite a bit of what we owe is to them... just feels so helpless, thing that anoys me, was when we had prob we contacted every 1 to say so yet Bh kept ringing and demanding payment thay got us in more trouble as then wed not ...

are gona refuse our iva..... i no this from what they jist said to me on phone.or should i say from what they said its seem that they are very freindly he was today.... oh hi there i just got your stuff for and iva is this correct i said yeah as we cant aford to keep up payments on any thing and are...

ok so not sure if calm b4 storm but no mail or phone calls today how soon after creditor been contaced do they have to stop comunication wiht you, also has any 1 had any dealing with black horse and cap 1 i think these companys ma be the one who keep the calls ectect. coming and if they do what do w...

proposal yesterday, with the signatures required ectect, got callfrom DFD today to say meeting set upfor the 14th may so not long now to see what happen they say we to make token payments at eind of mth to each company we owe to but this is gonabe a strugle. whats do u think is token payment? £10 to...

been on phone today to DFD to see how things are going, they said its gone through 1st stage of checking with ip and is at sencond were the draft is been drawn up they said we should have this early next week and then as soon as we sign it and send it back they can take over contactibng creditors ec...

i have sent all that is required to DFD, as requesed incoming out going what we owe to who ectect. what happen in mean time if i get phone calls and letters, i dont no what to do? reading another post i have an idea that my iva may be refuesd any way which worrys me more i have a debt of 5000 to bla...

oh god i was so happy today thinking that yeah i was gona sort thing out wen isent stuff to debt free direct, then seen this message n my heartsank, we have 17thousnad debt, and about 5000 of that is to black horse and we only took the loan out in may 06 so its not been 12 mths omg if the iva gets r...

hi i have just sent off the info to debt free direct, the stuff they needed income outgoung creditors ectect, it went 1st class today and they should get it 2morrow or the day after, what happens now, as i got defaults on some credit agreements? and they wanr payments soon, help me im so scared, i t...